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While driving through a different section of town, Zebulon, who is from the Alpha ethnic group, saw a group of boys from the Beta ethnic group whistling and catcalling at an attractive female. Zebulon assumes that most, if not all, people from the Beta ethnic group share this "rude" behavior. This is an example of
Moral Hazard
The situation where one party is more likely to take risks because they do not bear the full consequences of their actions, often occurring in insurance and finance.
Health Insurance
A form of insurance coverage that pays for medical and surgical expenses incurred by the insured or provides reimbursement for such expenses.
Medical Malpractice
A legal term referring to professional negligence by a healthcare provider that results in injury or harm to a patient.
Pain And Suffering
A legal concept referring to the compensation awarded to individuals for physical or emotional distress resulting from an injury.
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